Capitola, CA · standard
ZIP Code 95010
Santa Cruz County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,137
- 2,571/sq mi High-density area
- $105,236
- Median income Above-median income area
- $828,700
- Median home value Above-median home value
- 48.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Capitola pairs an upper-quartile household income with top-decile home values, in a suburban-density, mixed-tenure area.
- Top 16%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 2,571
- people per sq mi
- 49%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95010 against every reporting US ZIP.
ZIP code 95010 is a mid-sized community (a standard USPS delivery area) in Capitola, Santa Cruz County, California, home to 9,137 residents across 3.6 square miles, a density of 2,571 people per square mile, in the Los Angeles time zone.
ZIP 95010 lands in the middle-income range, with a median household income of $105,236 (4% above the average California ZIP), while per-capita income is $71,616. The poverty rate is 11.9%, with unemployment at 1.7%; those measures add context to the income figure. Median home value is $828,700 (7% above the average California ZIP) and median rent is $2,503; 48.9% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 48.3% of adults hold a bachelor's degree or higher, the median age is 49.7, and the average commute is 23 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Santa Cruz County, so 95010 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95010
Top 5 sectors by establishment count in Capitola, CA
Which industries have the most business establishments in ZIP 95010.
- Retail trade
Retail trade
108 establishments
- Accommodation and food services
Accommodation and food services
74 establishments
- Health care and social assistance
Health care and social assistance
55 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
52 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
50 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95010, Capitola, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
9,137
Population
3.6
Area (sq mi)
2,571
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95010?
49.7
Median Age
53.1%
Male
46.9%
Female
15.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$105,236
Median Household Income
+4% vs state ZIP avg
$71,616
Per Capita Income
11.9%
Poverty Rate
1.7%
Unemployment Rate
23.3 min
Mean Commute Time
How ZIP 95010 ranks among California ZIPs
Capitola, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$105,236 Top 38% higher than 62% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,838housing units
4,838
Total Housing Units
4,242
Occupied Units
596
Vacant Units
2.02
Avg Household Size
Occupancy Type
$828,700
Median Home Value
+7% vs state ZIP avg
$2,503
Median Rent
1974
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+21.9%
YoY Change (2022)
276
HPI Index (2000 = 100)
+176%
Total Change Since 2000
Home values in ZIP 95010 have increased 21.9% over the past year (2022). Since 2000, this ZIP has seen +176% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2018 | +4.1% | 209 |
| 2019 | +6.8% | 223 |
| 2020 | -1.5% | 220 |
| 2021 | +3.1% | 226 |
| 2022 | +21.9% | 276 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 522 business establishments in ZIP 95010, employing approximately 5,798 people with a combined annual payroll of $273,379,000.
522
Businesses
5,798
Employees
$273.4M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 108 | 20.7% |
| Accommodation and food services | 74 | 14.2% |
| Health care and social assistance | 55 | 10.5% |
| Real estate and rental and leasing | 52 | 10.0% |
| Professional, scientific, and technical services | 50 | 9.6% |
| Finance and insurance | 46 | 8.8% |
| Other services (except public administration) | 34 | 6.5% |
| Construction | 30 | 5.8% |
| Administrative and support and waste management and remediation services | 21 | 4.0% |
| Wholesale trade | 11 | 2.1% |
| Arts, entertainment, and recreation | 11 | 2.1% |
| Information | 10 | 1.9% |
| Manufacturing | 9 | 1.7% |
| Educational services | 5 | 1.0% |
| Transportation and warehousing | 3 | 0.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95010 vs 95062 →
ZIP 95010 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95062
Santa Cruz (95062)
36,079 residents
- 95003
Aptos (95003)
23,974 residents
- 95066
Scotts Valley (95066)
14,749 residents
- 95073 10,154
Soquel (95073)
10,154 residents
- 95010 9,137
Capitola (95010)
9,137 residents
- 95065 8,113
Santa Cruz (95065)
8,113 residents
- 95018 7,778
Felton (95018)
7,778 residents
- 95064 7,331
Santa Cruz (95064)
7,331 residents
- 95005 6,311
Ben Lomond (95005)
6,311 residents
What this shows Among its immediate neighbors, ZIP 95010 ranks #5 by population - useful context the national average alone can't give.
ZIP 95010 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95065
Santa Cruz (95065)
$153,222 median income
- 95066
Scotts Valley (95066)
$151,250 median income
- 95003
Aptos (95003)
$148,412 median income
- 95018
Felton (95018)
$129,464 median income
- 95064
Santa Cruz (95064)
$121,042 median income
- 95073
Soquel (95073)
$118,169 median income
- 95062
Santa Cruz (95062)
$112,106 median income
- 95010
Capitola (95010)
$105,236 median income
- 95005
Ben Lomond (95005)
$104,375 median income
What this shows By household income, ZIP 95010 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95062 | Santa Cruz, CA | 36,079 | 2.0 mi |
| 95065 | Santa Cruz, CA | 8,113 | 4.1 mi |
| 95073 | Soquel, CA | 10,154 | 4.7 mi |
| 95003 | Aptos, CA | 23,974 | 4.8 mi |
| 95064 | Santa Cruz, CA | 7,331 | 5.8 mi |
| 95066 | Scotts Valley, CA | 14,749 | 7.1 mi |
| 95041 | Mount Hermon, CA | 160 | 7.6 mi |
| 95018 | Felton, CA | 7,778 | 8.8 mi |
| 95005 | Ben Lomond, CA | 6,311 | 11.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95010, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,137 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Santa Cruz County
Related Areas
Frequently Asked Questions
What county is ZIP code 95010 in?
ZIP code 95010 (Capitola) is located in Santa Cruz County, California. Santa Cruz County contains multiple ZIP codes, see the full list at /counties/santa-cruz-ca.
What is the population of ZIP code 95010?
ZIP code 95010 in Capitola, CA has a population of 9,137 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95010?
The median household income in ZIP 95010 is $105,236, which is 38% above the national average of $76,288.
What is the average home value in ZIP 95010?
The median home value in ZIP 95010 is $828,700, which is 198% above the national average of $278,155.
What is the demographic makeup of ZIP 95010?
The largest racial group in ZIP 95010 is White at 69.8%. Hispanic or Latino residents make up 26.0% of the population.
How many businesses are in ZIP code 95010?
ZIP code 95010 has 522 business establishments employing approximately 5,798 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95010?
The top industries by establishment count in ZIP 95010 are: Retail trade (108), Accommodation and food services (74), Health care and social assistance (55). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95010?
According to the FHFA House Price Index, home values in ZIP 95010 increased by 21.9% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 176%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95010?
In ZIP code 95010, 60.1% of residents aged 25+ have a high school diploma or higher, and 48.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95010?
The mean commute time for workers in ZIP code 95010 is 23.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95010?
In ZIP code 95010, approximately 48.9% of occupied housing units are owner-occupied and 51.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95010?
The poverty rate in ZIP code 95010 is 11.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95010's numbers, next.
- See how ZIP 95010 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Capitola, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.